SG11201803731RA - Method and system for gross settlement by use of an opaque blockchain - Google Patents

Method and system for gross settlement by use of an opaque blockchain

Info

Publication number
SG11201803731RA
SG11201803731RA SG11201803731RA SG11201803731RA SG11201803731RA SG 11201803731R A SG11201803731R A SG 11201803731RA SG 11201803731R A SG11201803731R A SG 11201803731RA SG 11201803731R A SG11201803731R A SG 11201803731RA SG 11201803731R A SG11201803731R A SG 11201803731RA
Authority
SG
Singapore
Prior art keywords
international
transaction
data element
store
element configured
Prior art date
Application number
SG11201803731RA
Inventor
Steven Davis
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of SG11201803731RA publication Critical patent/SG11201803731RA/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3236—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions
    • H04L9/3239—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property -' Organization International Bureau ires.. 00) (43) International Publication Date ..... ..sr ,„,„.1 1 June 2017 (01.06.2017) WIPO I PCT (10) WO International 111111111111311111111111111111111111111111111111111111111111111111111311111111111111111 2017/091305 Publication Al Number (51) International Patent Classification: (81) Designated G06Q 20/02 (2012.01) H04L 9/32 (2006.01) kind of national G06Q 20/38 (2012.01) AO, AT, AU, BZ, CA, CH, (21) International Application Number: DO, DZ, EC, PCT/US2016/057579 HN, HR, HU, (22) International Filing Date: KW, KZ, LA, 19 October 2016 (19.10.2016) MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, (25) Filing Language: English SC, SD, SE, (26) Publication Language: English TN, TR, TT, ZW. (30) Priority Data: 14/950,117 24 November 2015 (24.11.2015) US (84) Designated kind of regional (71) Applicant: MASTERCARD INTERNATIONAL IN- GM, KE, LR, CORPORATED [US/US]; 2000 Purchase Street, Pur- TZ, UG, ZM, chase, NY 10577 (US). TJ, TM), European (72) Inventor: DAVIS, Steven, Charles; 128 Glenallen Drive, DK, EE, ES, Saint Peters, MO 63376 (US). LV, MC, MK, SM, TR), OAPI (74) Agent: DOBBYN, Colm J.; Mastercard International In- GW, KM, ML, States (unless otherwise indicated, for every protection available): AE, AG, AL, AM, AZ, BA, BB, BG, BH, BN, BR, BW, BY, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, LC, LK, LR, LS, LU, LY, MA, MD, ME, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, States (unless otherwise indicated, for every protection available): ARIPO (BW, GH, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, (AL, AT, BE, BG, CH, CY, CZ, DE, FL FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, MR, NE, SN, TD, TG). corporated, 2000 Purchase Street, Purchase, NY 10577 Published: (US). — with international 21(3)) search report (Art (54) Title: METHOD AND SYSTEM FOR GROSS SETTLEMENT BY USE OF AN OPAQUE BLOCKCHAIN 100 Issuer Processing 6lcckchain Server System Pr ,-- , 104 1 --- --'14 -,'-' 02 = ..: 1 A i I r 112 „----------- . ----- \ ''YC Pay ment \ Network 0S 10B -------. 0 / 11 / P Carc9 yment .4t Consumer hant in It FIG.1 M 1-1 01 (57) : A method for confirmation of an electronic transaction using a blockchain includes: receiving transaction data, the o ---. transaction data including a transaction amount and currency code; generating a transaction message foiinatted based on one or more I N standards including a first data element configured to store the transaction amount, a second data element configured to store the 1-1 c:::, currency code, and a third data element configured to store an invoice identifier; transmitting the transaction message to a fmancial ei institution via a payment network; receiving a return message from the fmancial institution via the payment network formatted based O on the one or more standards and including a data element configured to store the transaction amount, currency code, and invoice identifier; and generating a hash value based on application of hashing algorithms to the transaction amount, currency code, and in - voice identifier stored in the data element included in the received return message.
SG11201803731RA 2015-11-24 2016-10-19 Method and system for gross settlement by use of an opaque blockchain SG11201803731RA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/950,117 US11562353B2 (en) 2015-11-24 2015-11-24 Method and system for gross settlement by use of an opaque blockchain
PCT/US2016/057579 WO2017091305A1 (en) 2015-11-24 2016-10-19 Method and system for gross settlement by use of an opaque blockchain

Publications (1)

Publication Number Publication Date
SG11201803731RA true SG11201803731RA (en) 2018-06-28

Family

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Family Applications (2)

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SG11201803731RA SG11201803731RA (en) 2015-11-24 2016-10-19 Method and system for gross settlement by use of an opaque blockchain
SG10202101355PA SG10202101355PA (en) 2015-11-24 2016-10-19 Method and system for gross settlement by use of an opaque blockchain

Family Applications After (1)

Application Number Title Priority Date Filing Date
SG10202101355PA SG10202101355PA (en) 2015-11-24 2016-10-19 Method and system for gross settlement by use of an opaque blockchain

Country Status (10)

Country Link
US (2) US11562353B2 (en)
EP (1) EP3365853A1 (en)
JP (3) JP6563132B2 (en)
CN (1) CN108292394A (en)
AU (4) AU2016359115A1 (en)
BR (1) BR112018006637A2 (en)
CA (1) CA3005185C (en)
MX (1) MX2018005736A (en)
SG (2) SG11201803731RA (en)
WO (1) WO2017091305A1 (en)

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